How our UK insurance comparison process works
Protection insurance can't be priced accurately by a form alone — health, occupation and lifestyle all change the number. So instead of a fake instant quote, we get you a real one from someone who's regulated to give advice.
1. You fill in three short steps
Cover type, a few basics about you, then where to send the quotes. No documents, no login, no credit check — and you can leave optional questions blank.
2. One adviser searches the whole market
Your enquiry goes to a single FCA-regulated broker. They compare leading UK insurers on premium, exclusions and claim definitions — not just the headline price.
3. A single callback, at your chosen time
Morning, afternoon or evening — you pick. They talk you through two or three genuinely suitable options and answer questions in plain English.
4. Paperwork handled, free of charge
Applications, underwriting and writing life policies into trust are done for you. The insurer pays the adviser, so the price is the same as going direct.
What we promise about your data
- Your details go to one FCA-regulated broker — never a panel, never a data list.
- We never sell your information to third-party marketers.
- Marketing emails are opt-in only, and one click unsubscribes you.
- Ask us to delete your enquiry at any time and we will.
Who you actually deal with
We think you should know exactly who gets your details, who is regulated to advise you, and who pays whom — before you fill anything in.
- Who is Best Insure, and who gives the advice?
- Best Insure is a UK comparison and enquiry service. We are not the insurer and we do not give advice ourselves. Every enquiry is passed to one FCA-regulated protection broker who is authorised to advise on and arrange private medical, life, income protection and critical illness cover.
- Which insurers can the broker access?
- The broker researches leading UK protection insurers — including Aviva, Legal & General, Vitality, Royal London, AIG, Zurich, Bupa, AXA Health and The Exeter — rather than a single provider's own range. That means the recommendation is based on underwriting fit and claim definitions, not on which insurer happens to be on a panel.
- How does the broker get paid?
- You pay nothing. The insurer pays the broker a commission when a policy starts, and that commission is already built into the premium — so buying through an adviser costs the same as going direct to the insurer. The broker must disclose how they are remunerated before you apply.
- What happens to my details?
- Your enquiry goes to that one broker so they can prepare your quotes. We never sell your data to lead lists or third-party marketers, marketing email is opt-in only, and you can ask us to delete your enquiry at any time under UK GDPR.
- What protection do I have if something goes wrong?
- Because the advice is given by an FCA-regulated firm, you can check their permissions on the Financial Services Register, refer a complaint free of charge to the Financial Ombudsman Service, and claims on UK protection policies are covered by the Financial Services Compensation Scheme.
What our customers say
Feedback from people who used the same three-step process.
“Filled the form in on my phone waiting for the kettle. One call back, and my family cover was sorted for less than my Netflix and Spotify combined.”
“I'm self-employed so income protection was overdue. The adviser explained deferred periods properly instead of just showing me the cheapest number.”
“No spam, no ten different companies ringing me. That alone made it better than the last comparison site I used.”
“I'd been quoted online elsewhere and the price jumped at underwriting. Here the adviser flagged my asthma up front, so the number I was given was the number I paid.”
Illustrative examples of the feedback our advisers receive. First names and towns only, shared with permission; they are not a guarantee of the cover, price or outcome you will be offered.
Where our information comes from
Every figure and regulatory claim on this site traces back to a public UK source. You can check all of them yourself:
- Protection claims data (life, critical illness, income protection)
Association of British Insurers
Source for the industry claim-payout rates quoted across the site.
- Financial Services Register
Financial Conduct Authority
Check that any firm advising you — including our broker partner — is authorised.
- Consultant-led referral to treatment waiting times
NHS England
Source for NHS waiting-list context on our private medical insurance pages.
- Guidance on life insurance and protection products
MoneyHelper (Money and Pensions Service)
Free, impartial government-backed guidance if you want a second opinion.
- Free complaints service for consumers
Financial Ombudsman Service
Where to go if a regulated firm does not resolve a complaint to your satisfaction.
- Your rights over personal data
Information Commissioner's Office
Underpins the data promises we make when you submit an enquiry.
100% free to use. No obligation. No credit check.